Thanks! OK, this sounds like just a basic decision on whether to annuitize or not, a bit different than above purpose: "Purpose: cover the RMD obligation. Shield the remaining funds, about half the account, from RMDs,".1. Harvest the juicy loyalty bonus, receiving an above-market rate of return for annuitizing.Could someone explain what the macro strategy is here? Is the effort to reduce RMDs that otherwise would be taxed at higher rates than the net result of the annuity income and remaining RMDs? Or something else? What is the profile of someone who would execute this strategy? Why is this approach better than just taking the RMDs as they come? Thanks.
2. The purpose of fixed income was to insure the money would be there when needed for withdrawals. Now I am withdrawing, and annuitizing gives a higher payout than not (even without the loyalty bonus), due to the safe return of principal. Mom at 98, FIL at 97, spouse younger, I might win the annuity wager with TIAA.
3. kids' inheritance handled with equities in Roth. What do you suppose $300K in equities might be worth in, oh, say, 40 years?
40 years? will your kids be too old to enjoy it
?Anyway, someone above mentioned shield account from RMDs. For someone who also has tIRA account outside TIAA (many here, including me, do) the RMD can be satisfied fully from non-TIAA accounts to shield all of the TIAA, especially, as noted above, if one holds the view that Traditional is a unique, valuable investment that cannot be duplicated with other fixed income. Interesting discussion, gets me thinking, although I am not there yet, I will likely do just that.
Statistics: Posted by CloseEnough — Fri Jan 09, 2026 9:15 am — Replies 42 — Views 3650